Commercial real estate debt

The faster way to finance commercial real estate.

Upload what you have. Our AI builds a lender-ready package and our capital markets team matches it with lenders that fit. Acquisition, refinance, construction, and bridge.

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What happens after you start

No upfront CapMatch fees. Any fee is agreed with you in writing first.

01
Create a free account and upload what you have

Rent roll, T12, appraisal, model: whatever exists today.

02
We build your lender package with you

Data is extracted and sourced. Our team reviews the critical numbers.

03
You approve every lender

Nothing goes to a lender without your OK.

Lenders & partners in the CapMatch network
Why sponsors switch

Waiting has a price. Here's yours.

A traditional process takes about six months to get a deal in front of lenders. CapMatch does it in days. Set your deal below and see what the wait costs.

Your deal
$20M
8.00%

Use the rate on the debt you're carrying while the deal waits, or the rate you expect.

Six months of waiting costs you
$0
in interest carried while your deal isn't moving
$133,333
every month the process drags on
$50,000 a year
for every 0.25% rates move while you wait, for the life of the loan

Doing nothing isn't free.

Here's the trade, side by side.

Trying CapMatch costs you
$0
upfront
  • No upfront CapMatch fees. Any fee is agreed with you in writing first.
  • Upload what you already have. We build the package with you.
  • Nothing goes to a lender without your OK.
  • In front of matched lenders in days.
Waiting costs you
$800K+
on a $20M loan at 8.00%
  • Six months of carry on a deal that isn't moving.
  • Rate risk: $50K a year for every 0.25% the market moves.
  • A package that goes stale while you chase PDFs and lenders.
  • Months your investors are waiting for an answer.

$0 to start. $800K to wait. The math makes the decision.

Start your deal

Illustrative. Simple interest on the loan amount over a six-month process; rate-move figure is 0.25% of the loan amount per year. Your actual costs depend on your deal. “In front of lenders” means a lender-ready package delivered to matched lenders, not a closed loan. Timing varies by deal.

The platform

Everything between first document and closed loan.

Three stages, nine tools, one deal room.Here's how each stage works.

  1. Stage 1

    Prepare

    Upload what you have. The numbers are extracted, every source is cited, and gaps are flagged.

    You get
    One organized, sourced data room that you control.
    • One Vault

      One Vault. One Truth.

      Upload your entire deal package (rent rolls, T12s, appraisals) into a secure, centralized vault. No more email attachments. No more version chaos.

    • Permissions

      Control who sees what

      Invite analysts, advisors, or partners without giving up control. Granular permissions at the project and document level. Your deal, your rules.

    • Edit & Version

      Edit in-browser. Roll back instantly.

      Edit documents directly in CapMatch. Every change is tracked, with full version history and one-click rollback.

  2. Stage 2

    Package

    Institutional-grade presentation, built from your own files.

    You get
    A lender-ready offering memorandum and financials.
    • AutoFill

      From documents to data, automatically

      AutoFill extracts data from your uploads and cites its sources. Hover any field to see where the value came from. Discrepancies get flagged.

    • AI Agent

      AI speed. Human oversight.

      AI drafts the financial picture and helps resolve data conflicts in real time. You stay in control and verify every output.

    • Living OM

      A living OM. Not a static PDF.

      Your Offering Memorandum generates automatically and stays current. Lenders toggle scenarios and ask the deal questions directly with Talk to OM.

  3. Stage 3

    Match & close

    Your deal is compared with lender appetite across hundreds of datapoints. See who fits, then close in one place.

    You get
    A ranked lender list you approve, and one place to run diligence to close.
    • Lender Matching

      Lender matching at a glance

      Matchmaking uses hundreds of datapoints, including property type, loan size, lender appetite, and terms, to surface the best fit. No more spray and pray.

    • Underwriting

      Generate. Review. Finalize.

      Lender-ready underwriting documents in minutes, not days. Every version tracked, every change logged. Audit-ready at close.

    • Communication

      Keep the conversation next to the deal

      Contextual chat, tagging, and video meetings inside the platform. Every call gets a searchable transcript and summary.

    Start your dealHover to preview. Click any video to watch it with narration.
Loan sizer

Know your max loan before a lender does.

Lenders run three tests, and the tightest one sets your limit. Enter your numbers to see which one it is and what would raise it.

1Your deal
2Your numbers
$38.50M
$3.40M
$55.00M
Implied cap rate 6.2%
3Loan terms
Typical for multifamily refinance
6.25%
Amortization
Estimated maximum loan
$36.81M
Limited by debt service coverage
$1.69M short of your $38.50M
Loan-to-value$41.25M
75% of $55.00M
Debt service coverageBinding$36.81M
1.25x at 6.25%, 30-yr amortization
Debt yield$48.57M
7.0% minimum
Your request: $38.50M
LTV at your request
70.0%
DSCR at your request
1.20x
Debt yield at your request
8.8%
What would move it
  • Each 25 bps lower rate is worth about $0.99M of proceeds
  • Otherwise, about $1.69M more equity closes the gap
Where a deal like this typically fits
  • Agency lendersStrong fit

    Fannie Mae and Freddie Mac programs favor stabilized multifamily, often with the longest terms and lowest rates.

  • Life companiesStrong fit

    Long-term, fixed-rate capital at low cost for high-quality, stabilized assets.

  • National banksStrong fit

    Relationship lenders for established sponsors, competitive on mid-size and larger loans.

Lenders will also ask for: existing loan balance and maturity; rent roll and trailing 12 months; proceeds you need, and why.

Read next: Calculating a multifamily refinance shortfall

Illustrative estimate from your inputs and the assumptions shown. Lenders size loans on their own underwriting of income, value, rates, and reserves. Not a quote, offer, or commitment.

Case studies

Real deals on the platform.

By asset class, market, and capital sought. Outcomes describe how CapMatch changed the process for each deal.

Mixed-Use Multifamily in South Bend, Indiana
Capital sought: $31.5M acquisition loan
Mixed-Use Multifamily
South Bend, Indiana
Lender back-and-forth cut by an estimated 40%

Fragmented BPO and Excel models created version chaos. CapMatch reconciled everything into a single source of truth and generated lender-specific outputs without rework.

Student Housing in St. Louis, Missouri
Capital sought: $30.1M equity recapitalization
Student Housing
St. Louis, Missouri
Tailored outputs for every investor

Generic docs couldn't capture student-housing and Opportunity Zone nuances. CapMatch built an investor-ready intelligence layer and answered questions in real time.

Mixed-Use Multifamily & Innovation Center in Dallas, Texas
Capital sought: $18M construction loan
Mixed-Use Multifamily & Innovation Center
Dallas, Texas
Lender questions answered in minutes, not days

Disconnected docs and competing lender assumptions stalled underwriting. CapMatch built a living underwriting model with lender-specific outputs on demand.

Refi Radar

Loan maturing? Know your window before it closes.

Refi Radar tracks loan maturities, interest rates, and lending spreads, and pairs with the matching engine to find the best lenders for your refinance.

Refi Radar
Scanning loan maturities, rates, and spreads
Maturing loans
  • Multifamily · Tampa, FLWindow open
    $32.5M · matures in 7 months
  • Industrial · Columbus, OH
    $14.0M · matures in 11 months
  • Mixed-use · Charlotte, NCWindow open
    $21.8M · matures in 5 months
  • Self-storage · Phoenix, AZ
    $9.6M · matures in 9 months
  • Student housing · Austin, TXWindow open
    $41.2M · matures in 6 months
  • Retail · Nashville, TN
    $12.3M · matures in 13 months

Illustrative data.

Before you share anything

Clear terms. Your deal stays yours.

How we're paid, who sees your documents, and how they're protected, in plain English.

What you pay

  • Creating an account is free.
  • No upfront CapMatch fees. We're paid on performance.
  • Any CapMatch fee is agreed with you in writing before it applies.
  • Third-party costs, such as appraisals, legal, and lender fees, are separate.
Terms of Service

Who sees your deal

  • Nothing goes to a lender without your approval.
  • You choose who joins, at the project and document level.
  • Hide sensitive files, like a guarantor's financial statement, from anyone.
  • We never sell your information.
Privacy Policy

How it's protected

  • Encrypted in transit and, with AES-256, at rest.
  • Role-based access, enforced on every document.
  • Security controls designed to SOC 2 standards.
  • Every value traced to its source document.
How we handle data
Market data from public and industry sources
FEMAUS CensusUS HUDFHFABLSCoStarYARDI

Your next term sheet starts now.

Create your account, drop in your deal, and see which lenders want it. CapMatch is paid on performance. We earn when you close.

Start your deal